giving new loans new rate for every 150 points is a flat 12 point charge from now on and basicaly for right now it 12 points every 150 points i loan out and so on. 150 points=12points
250 points =26 points
350 points =36 points
450 points=48 points
i think u get idea it basically 12 points per 100 points that ask you ask for.no matter what.